Dundalk, MD · Cert 30869
FDIC · 4 branches
Q2 2015
Market Position · Baltimore-Columbia-Towson, MD · 2015 SOD (annual) · 0.3% share · #32 of 65 inst. · $0.2B of $67.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.27% | 0.58% | 1.42% | 1.18% | 1.05% | 0.07% | 0.01%1 | -141 bps | |
| Return on Equity | 2.23% | 3.20% | 6.75% | 16.05% | 13.17% | 11.49% | 0.72% | 0.06% | -1,599 bps | |
| Net Interest Margin | 3.36% | 3.37% | 3.17% | 3.20% | 3.22% | 3.21% | 3.24% | 3.28% | +8 bps | |
| Efficiency Ratio | 94.75% | 92.26% | 82.11% | 82.63% | 81.40% | 79.47% | 99.50% | 93.74% | +1,111 bps | |
| Non-Interest Burden | 3.19% | 3.11% | 2.59% | 2.61% | 2.58% | 2.51% | 3.22% | 3.05% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.36% | -3.83% | -2.30% | -0.28% | 2.56% | -1.44% | -4.02% | -5.12% | -484 bps | |
| Loan Growth (YoY) | -5.51% | -1.17% | 1.41% | 2.91% | 2.96% | 4.29% | 6.80% | 1.42% | -149 bps | |
| Deposit Growth (YoY) | -9.59% | -6.94% | -5.12% | -3.72% | -3.42% | -5.53% | -6.06% | -6.74% | -301 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.83% | 0.64% | -0.75% | -0.45% | -0.31% | 0.01% | -0.04% | 0.09% | +55 bps | |
| Allowance / Loans | 1.62% | 1.57% | 1.79% | 1.81% | 1.77% | 1.50% | 1.50% | 1.50% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 9.88% | 10.14% | n/a | |
| Total Risk-Based Capital | 15.55% | 15.58% | 16.34% | 16.46% | 16.59% | 16.69% | 17.35% | 18.40% | +194 bps | |
| Equity / Assets | 8.58% | 8.56% | 8.70% | 9.28% | 9.42% | 9.80% | 10.13% | 10.17% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.76% | 84.08% | 82.69% | 83.71% | 88.23% | 92.82% | 94.01% | 91.02% | +732 bps | |
| Liquid Assets / Assets | 13.02% | 13.69% | 15.53% | 13.43% | 12.27% | 8.00% | 6.63% | 9.61% | -382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |